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All transactions that are carried out on the accounts of bank customers are displayed in a document such as a statement. It is necessary to control the movement of funds, check expenses and receipts. Sberbank clients can get an account statement in several ways.

Methods of obtaining

Necessarily provided to all legal entities and individuals, regardless of their type: deposit, current, transit, card, etc.

For the convenience of customers and for the purpose of providing them operational information in different life situations Sberbank can form and provide:

  • on the email through the Internet;
  • in paper form at a branch or branch of the bank;
  • via ATM;
  • using SMS - mobile banking;
  • using internet banking.

By e-mail

It is very easy to get an account statement from Sberbank using your e-mail. You just need to go to the bank branch with your passport or other identity document. And there, on the spot, write a statement with a request to inform about all transactions carried out on a specific bank account.

The main thing in the application is to indicate correctly email address, to confidential information did not get to other persons, and, the data on which needs to be sent.

After the bank accepts the application at the beginning of each month, the client will receive a printout of his bank account transactions for the last month by email.

If there is no Internet or there are difficulties with working in the network, you can get information about the movement of funds on the card, deposit, etc., by contacting the nearest branch of Sberbank.

You need to take with you:

The bank employee, at the request of the client, can print the document and hand it over to him or send it to his e-mail. The advantage of this method of obtaining information is the ability to choose any period for generating a report on the movement of funds: it can be a month, quarter, half year, a specific date range.

Using an ATM

You can also get a Sberbank card account statement using the nearest ATM. To do this, insert the card into the ATM, enter the PIN-code and, when the menu appears on the screen, select the “Information and Service” tab, then “Card History”. The disadvantage of this method is:

  • service cost. It depends on the tariffs for servicing the card;
  • information can be obtained only by payment cards;
  • the document is printed only for the last 3 months.

Using SMS

If there is no ATM or bank nearby, and even the Internet does not work or is not available, there is another way to get a statement on the Sberbank card account. Here will come to the rescue mobile phone.

You need to send an SMS with the text "NNNN STORY" to number 900,

where NNNN is the last 4 digits of the card number.

After a while, the client will receive a response message, which will contain information about the last 10 operations and.

In addition to the query "History", you can write: HISTORY, VIPYSKA, ISTORIA.

To use this service, you need to connect your phone to the "Mobile Bank" system. To do this, you need to come to any bank branch with documents and a card, write an application indicating the number to which messages should be received; the bank employee activates the service.

Using internet banking

This method of obtaining data has many advantages. Indeed, using remote access, you can get information not only about the latest card transactions, but also from the comfort of your home or office. Sberbank provides this opportunity only through the Sberbank Online system.

In order to familiarize yourself with the movement of funds on your account, you must log in using your username and password in your personal account.

Then the client chooses the card or service on which he wants to view the transactions. A list of the last ten transactions carried out on this account appears on the screen.


A bank statement is a document that reflects account movements for certain period, as well as the final balance. We will tell our readers for what purposes a bank statement is taken, how to order it and what information can be obtained using this document.

Bank statement document

The bank statement contains the following information:

  • The name of the bank and its correspondent account;
  • Full name of the client and his account number;
  • Account currency;
  • Movement on D-that and K-that and the total sums of crediting and writing off;
  • Information about contractors;
  • Balance at the beginning and end of the specified period.

Working with a bank statement is to view: where and in what volume the funds were transferred from the account, the size and sources of the credited amounts, and also find out the final balance.

This information is useful for such actions:

  1. Account movements control;
  2. Reports to tax and other regulatory authorities;
  3. Visa processing and other purposes.

How do I get a bank statement?

There are several ways to get a bank statement. Can:

  • Contact a bank branch with a passport and card (agreement, passbook, etc.);
  • Receive a mini-statement by SMS;
  • Print it out at an ATM (usually shows the last 7-10 transactions);
  • Issue a statement online, through the Internet banking system;
  • Order the regular receipt of an electronic statement or a statement sent by mail.

In order to obtain more detailed information about the transactions carried out - the names of purchases, accrued commissions, addresses where the payment was made - the extended bank statement.

Electronic bank statement

If you are registered in the Internet Banking system, you can view and print your electronic account statement in your personal account using the “Statement” menu.

Regular electronic statements can also be received by email. To do this, you need to contact the bank with supporting documents. Such an extract is no different from a paper document. To certify it - to put the seal, signature and stamp of the bank - you need to contact the branch.

Bank statement on the organization's account

Information about transactions performed on the account is reflected in the statement. In other words, a bank statement on the organization's account enables the company's accountant to know the actual information about the state of the current account and see all movements on it. An employee of the company files a bank statement to the primary documents ( payment order), through which there was a movement of funds on the account.

The statement reflects the movement of the company's own finances (income, expense).

The document is issued to the official employee of the enterprise by the bank's service personnel, sent by mail or to in electronic format every day, unless other terms have been agreed upon by the parties in advance.

Features of document formation

Statements in most cases are issued the next day after the movement of money through the organization's bank account. The features of the formation of the document are important - these are two columns in which debit and credit are reflected. The first reflects the funds debited from the account, the second - those made to the credited account.

The company's account in a credit institution is a settlement account, in other words, the bank stores money belonging to the client on it. Considering the debtor, the financial institution displays the account balance as accounts payable. Due to the fact that the company's account for the bank is passive, the balance of funds is displayed in the statement for. The funds written off from the organization's account reduce the debt of the credit institution, so the debt to the client becomes less. For the organization, everything is exactly the opposite.

Checking a bank statement

Financial documents are processed and bank statements are checked on the day they are received by the company's accountant.

V job duties the accounting department of a company or enterprise includes:

  1. check and attach all supporting documents for the statement of crediting and debiting funds;
  2. check all the records in the statement with the primary documents. If inconsistencies and discrepancies are found in the documents, the accountant is obliged to urgently contact the employee of the banking institution;
  3. in the right field of the statement, the accountant puts down the account codes. They are put in front of the corresponding amounts;

The actions of the accountant help to control the funds of the enterprise, generate information for the auditing authorities, bring documents to a finished form before their final archiving.

Doubts about electronic statements

Accountants working in enterprises who have implemented the system electronic document management("Accounting 1C", "Client-Bank") there are doubts about electronic statements, how they should be stored correctly and whether they should be printed.

There are no regulatory documents that would directly permit or prohibit the storage of electronic statements in PDF format, therefore, the situation becomes somewhat more complicated. At the same time, the rule of Article 9 of the Federal Law No. 129 is in effect, according to which the enterprise is obliged, at the request of the inspection bodies or another authorized person, to produce at its own expense and submit the primary documents in electronic form.

Many banks, after switching to the Internet service system, refuse to issue the required statements, offering customers to independently print and certify documents as needed.

Bank statement: sample

If the company independently maintains more modern financial accounting, then it would be correct to install an electronic bank for its convenience. The accountant will personally be able to monitor all the movements of funds in the accounts of the reporting enterprise, while the bank statement can be easily printed independently at any time without interruption from work.

To fill in such a form by hand, a standard bank statement is suitable: the sample can be downloaded on the Internet, opened in the Excel editor and already there make the necessary edits. The main thing is that the document contains the necessary information.

What information is indicated in the statement?

Bank statements may vary slightly due to outward appearance, because they are printed on different techniques. It is more important to find out what information is indicated in the statement.

  1. "Posting date" - the date of the transaction on the client's account;
  2. “Beneficiary's account” - the beneficiary's current account number;
  3. "VO" - type of financial transaction;
  4. "Nom. doc. Bank "- incoming document number;
  5. "Nom. doc. Client "- No. of the payment document;
  6. "BIK of Corr Bank" - BIK of the beneficiary's bank;
  7. “Corr. Account "- the correspondent account of the bank;
  8. Payer's account - payer's account number;
  9. "Debit" (client's arrival);
  10. "Credit" (customer expense).

How does an accountant check and process statements?

Only an employee of the company officially authorized for this can receive a bank statement. The list of such persons is compiled by the head of the organization and the chief accountant. Usually the accounting staff handles the financial documents.

How does an accountant check and process statements? The employee receives bank account statements, checks the accompanying documents, comparing the amounts and dates. In case of discrepancy in the information, the employee is obliged to urgently contact the bank. Some accountants, for their own convenience, when checking the statement, mark the corresponding accounts in the fields of the document, which will be useful for posting. On the same day, it is necessary to make verified statements in the system of the movement of funds in the enterprise. Applying the rule “ double entry", The accountant is in a simple way carries out the posting of each operation.

Why is a bank statement issued for individuals

A bank statement is sometimes necessary for individuals as well. Why is a bank statement issued for individuals and when is it needed?

  1. When closing a loan agreement, such a document is a confirmation that the borrower has fulfilled his obligations to the bank.
  2. An extract will come in handy when considering a loan case in a court for overdue debt. The document reflects all withheld interest, fines and payments. If you bring the loan agreement and the statement to Rospotrebnadzor, you can get a recommended letter, which the court sometimes takes into account and this will help to write off fines and penalties.
  3. An account statement is required when obtaining a visa, confirms the person's ability to pay.

An account statement helps you keep track of your finances.

Advice from Compare.ru: If you need an extract for obtaining a visa or confirmation of financial security for the duration of your stay in another country, you should ask the bank if it is possible to print it on English language.

In the article, we will consider what an extract from the current account of an organization is. We will learn how to get it and how the documents are processed by an accountant. We will also tell you what an extended statement is and what a sample document looks like.

Features of a bank statement on a current account

Checkout - This is a document that displays the data of the client account and the movement of finance on it. In fact, it is printed information about transactions on the organization's account.

The drawing up of the statement takes place in the department of fin. institutions, the document may include data on several company accounts. In the help you can see:

  • Amounts of receipts.
  • Expenditure transactions.

For any accounts, the bank records transactions electronically. Therefore, you can apply for help at any convenient time.

The concept of an extract and the procedure for its issuance is enshrined in the Law "On Accounting". This is the document that:

  • is considered to be the basis for performing buh. and tax accounting;
  • is an evidentiary base and includes details within the framework of clause 2, article 9 of this law.

Contents and sample statement from the current account

The document does not have a legal form. Each bank develops its own sample. For example, a completed account statement of Sberbank, Alfa-Bank, as a rule, contains:

  • The date of the transaction.
  • Primary document number.
  • Name of company.
  • The name of the account holder.
  • BIK fin. institutions.
  • Bank correspondent account.
  • The account of the party making the payment.
  • Account of the entity receiving the transfer.
  • Columns, which reflect the withdrawn and credited funds.

The statement form is presented below. And you can download a sample of the certificate on the official website of your bank.

Statement of open current accounts

An extract on the state of open accounts is generated in the tax office and may be needed in many cases:

  • During negotiations with an investor.
  • When drawing up a business plan.
  • When participating in auctions.
  • In the process of applying to the courts.
  • To respond to requests from regulatory authorities.
  • In the process of liquidation or reorganization of the company.
  • When applying for loans.

The document is provided as an extended help. It contains a list of accounts opened by the organization, currency, registration data, as well as the names of banks.

To whom the document is issued

Any authorized representative of the company can receive the statement. To do this, you need to send a written request to the department with the details of the company and an indication of the required period for which you need an extract. The request is signed by the manager and the chief accountant.

Processing of statements from the current account

Verification and maintenance of certificates is carried out by the accountant of the enterprise. The procedure is as follows:

  1. Preparation of papers that became the basis for reconciliation.
  2. Detailed reconciliation of the information received with the records from the primary reporting documentation. At this stage, the accountant finds unaccounted funds or overly transferred amounts. Reconciliation allows you to establish the compliance of the statement with the reporting documentation.
  3. If errors are detected, the head of the enterprise is notified and the reasons for the discrepancies are clarified.

Verified certificates are entered into the organization's electronic accounting system. The accountant posts each transaction separately. The personal account in the statement is considered passive, receipts and the balance are reflected in the loan. The money written off is transferred to the debit. In the course of information processing, the "re-entry" rule is used. The wiring uses a box. account 51 or other accounts, based on the type and purpose of the transaction.

Retention period for bank account statements

The law on accounting stipulates that the bank must keep data on completed transactions for at least five years from the date of their performance. During this time, the financial institution must provide access to this information.

After receiving the certificate, it is attached to other accounting documents. In case of loss, you can get a duplicate of it.

How to get a statement

You can issue a certified statement at the department. If you do not need a print option, then you can get a document online without visiting the office. For this:

  1. Go to the bank's website (or mobile application) and log in to your personal account.
  2. Select the section "accounts", in it find the desired account.
  3. In the operations section, select "account statement".
  4. Indicate from which period the data is needed and click "get".

The system will generate a document that can be viewed electronically, as well as downloaded to a PC or mobile device for print.

An information document such as a Sberbank account statement may be needed for any reason: for personal use or for presentation to government agencies. You can get it from the bank different ways.

What is a personal account statement

With the help of a statement on a personal account, you can track any incoming and outgoing transactions that were made by bank account. The need to order it may arise from natural person, entrepreneur.

The document displays the following data:

  • receipt of funds from the employer;
  • transfers to a card from individuals;
  • cash crediting;
  • expense transactions - withdrawal of money, payment for goods and services, transfers;
  • perfect auto payments;
  • non-authorization transfers;
  • currency conversion;
  • accrual of interest on the deposit, etc.

In the statement of operations on the Sberbank account, you can understand what specific transaction was made, by the codes that accompany them.

The codification corresponds to the federal one, i.e. the one used by tax authorities, FIUs, foundations and other government agencies.

Sample

You can see a sample here. For example, you can order information on the personal account of the deposit.


Sample statement for an account opened with Sberbank

Its structure includes:

  • the name of the bank and the specific subdivision that issued the document;
  • account number;
  • information about the owner;
  • the period for which the report was generated;
  • date of the last transaction;
  • balance on the balance;
  • a table indicating the date of the transaction, code, amount, details, etc.

If a document is ordered at a branch, then it must contain the signature of the employee who printed the paper and the seal of the banking department.

Scope of application

With the help of this document you will be able to control your expenses and income, track changes in the level wages... It also makes sense to order it if you cannot understand where the money went - for example, an auto payment was made, the report of which did not come in the form of SMS.

Other times when a Sberbank account statement may come in handy:

  • confirmation of the theft of money from the card - the recipient's details will be displayed among the information data, which will help to establish the identity of the thief;
  • identification of authorized write-offs - for example, if the money was forcibly written off by bailiffs or the tax service;
  • confirmation of income - if it is impossible to obtain a 2-NDFL certificate or for a long time;
  • obtaining documents for a visa - you can enter some countries with the minimum required amount;
  • to protect their interests in court;
  • to provide information to the tax service, the FIU or other authorities;
  • to cancel transactions within the charge-back operation.

In all these cases, it is necessary to obtain an official document - with a seal and signature. If you just need to track the latest transactions, you can order a simplified version of the personal account report online or receive it directly on your mobile phone.

How to get a statement in Sberbank

Let's see what are the ways to get reporting information on a personal account in Sberbank on our own and with the help of bank employees.

Sberbank Online

The easiest way is to get an account statement through Sberbank online. This requires:

  • in your personal account on home page click on the name of the card, deposit;
  • scroll a little lower - in the lower panel under the details, the last 10 operations will be displayed in an abbreviated form (if you need to view only a few recent transactions, then this will be enough);
  • click on the item Complete bank statement;
  • select the required period in the check-box or enter your own interval (data is stored in the system for the last 3 years);
  • choose the method of delivery of the report - to your personal account or by mail;
  • click Get.

An online Sberbank account statement will be sent to the mail in three formats, and you can save the desired version. When ordering in your personal account, the report will be reflected immediately. You can change the type of information display and see your operations and balance in the form of various charts.

Appendix

Via mobile app you will be able to get data on all payment and expense transactions also online. If you need information for personal use, then this is a convenient and fast option.

How to order - procedure:

  • enter the application from Sberbank by entering a 5-digit code;
  • tap on the name of the card;
  • scroll down - you will see information about the last 10 transactions in a compressed form;
  • tap All operations;
  • set the period for which you want to receive the document;
  • save the suggested file.

Now you just have to open the received document using any text editor installed on the smartphone.

SMS Bank

If you have a mobile bank connected, you can send a special request to number 900 - the word History. In the return SMS online, you will receive brief data on the last 10 transactions on your personal account.

The option is provided free of charge 10 times a month. Further cost - 15 rubles per request.

ATM

If you have a Sberbank card at hand, you can order an account statement at the nearest ATM. It will be issued at the time of contact, as they say, online.

This document will already be official, since the check will contain all the necessary details to establish its authenticity. Such an extract can be attached to the loan application, and to the application to the Federal Tax Service, and when you file a complaint with law enforcement agencies.

The exact procedure depends on the ATM model. Basically, the algorithm is as follows:

  • place the card in the ATM and enter the PIN;
  • go to the Information menu;
  • then - History of operations;
  • do not confirm receipt of the receipt, but select the option Get mini-statement.

In addition to the balance, the check will display transactions with details for the last 3 months. The cost is 15 rubles.

At the Sberbank branch

A check from an ATM is, in principle, an official document, but you'd better check in advance with the organization where you need to provide what format they need. In most cases, they will request an official Sberbank account statement, which is issued only at bank branches, and not online. For example, for a visa.

To order it, you just need to go to the Sberbank office with a passport and get to the clerk (coupon - certificates and information), tell him what document you need and for how long. And wait until the employee prepares all the papers.


A visit to the bank is the easiest way to get an account statement, and it is completely free of charge. It is better to request a document in two copies at once.

Statement of a closed account with Sberbank

Sometimes you need to get information on a closed account with Sberbank. Most often this applies to entrepreneurs. You will not be able to order such a document online; you will have to contact the office. Of the documents, only a passport is needed.

Sberbank stores data in electronic form. It stores information about any transactions, even for closed accounts, for 3 years. During this period, you will be able to receive an extract.

The cost of the service for providing information from the archived data on the personal account is paid. For an entrepreneur, it is set by the tariff, for an individual it is 15 rubles. If you are a client of the bank, you can write off funds from any card. Otherwise, you will have to pay a fee to the cashier.

Conclusion

Thus, a Sberbank account statement is an important document that will be useful for a variety of purposes: from obtaining a visa to a foreign country to protecting your interests in authorities or protesting an operation. You can arrange it in different ways. If information is needed for reference, then they will do online services... If you need an official document, you need to go to the branch or look for the nearest ATM. A certified statement of a personal account can be ordered only at the Sberbank office.

Reading 6 min. Posted on 11/29/2019

An account or card statement in Sberbank of Russia is an official document that reflects information on the movement of funds - receipts and debits, interest and commissions, penalties and fines. This document may be required when applying for a visa in some civil transactions as proof of solvency. What methods of issuing a statement are available at Sberbank of Russia?

How to make a statement through your Sberbank-online personal account: step-by-step instructions

The easiest way to get a statement is provided for its registered users.

In order to use the option, you must perform the following actions:

  1. Log in to your personal account.
  2. Select in it the number of the card for which you need to issue a statement sheet (if there are several cards).
  3. Select the item "Print statement" from the offered list of operations.

An important point: On the checkout list, the last 5 transactions are usually given. If you need a history of the last 10 transactions, then you must select the "Extended statement" item.

How to connect a graphic statement in your Sberbank-online personal account?

The Sberbank Online service allows customers to draw up graphical statements. What are they? This is a display of the process of cash flow on a card or account in the form of vivid graphs. This option is valid only for debit and overdraft cards (credit and debit).

In order for the graphical statement to be displayed in your personal account, you must do the following:

  • Go to the tab with detailed information about the map.
  • Select the item "Graphic statement".

The columns of the graphical statement show the process of cash inflow and outflow, and the line shows changes in the card balance. In the schedule, you can set the required period to track the movement of funds (per week, per month, per day).

An important point: If transactions were made through ATMs and terminals of other commercial banks, then this information is displayed in the statement not immediately, but only after three days.

How to order a Sberbank statement via SMS or Mobile Bank?

In order to quickly find out information about the latest transactions on a Sberbank account or card, you can use the Mobile Bank service.

In this case, the order of operations will be as follows:

  1. Sending SMS to number 900, writing in the text "HISTORY", "EXTRACT", "VYPISKA", "ISTORIA" and the last 4 digits of the card or account number.
  2. Receiving a message containing information about the last ten transactions and the balance on the client's account.

An important point: Each request within the framework of the Mobile Bank will cost a client of Sberbank of Russia 3 rubles.

If the "Mobile Bank" service is not connected to the user, then he can call the number hotline and tell the operator the last four digits of your account or card number.

We make a statement of Sberbank through an ATM or terminal

There is a possibility of obtaining a Sberbank statement at its ATM or terminal.

How to do it:

  • Firstly , insert the card into the ATM and enter your PIN-code.
  • Secondly , select the "Information and Service" tab.
  • Thirdly , click on the item "Map history".

As a result, the ATM or the term will print a check with information about the transactions on the account that have taken place within the last three months.

An important point: The service of receiving a statement through an ATM is not free. For it, an amount of 15 rubles will be debited from the client's account.

How to get an extended Sberbank card statement?

The most detailed information about transactions on a client's account for any period can be obtained at any of the branches of Sberbank of Russia.

To do this, you should:

  1. Contact any clerk.
  2. Fill out the application form and submit your passport and card.

This service is provided free of charge. In this case, the client has the right to ask for a printed or electronic form of the document (in the second case, the extract is sent to the client's e-mail specified in the application).

How to get a statement from Sberbank to obtain a Visa?

Visa processing, which opens the right to, is associated with the need to present a statement from the card or account of the traveler. This allows you to verify his solvency.

A voucher indicating the status of a client's account with Sberbank of the Russian Federation can be of two types:

  • With information about the current amount of funds on the account.
  • With information about transactions for a certain period of time.

To obtain a visa, an extract is issued for both debit and credit cards.

At the same time, a number of important requirements are imposed on this document:

  • Firstly , it is drawn up on the official letterhead of a financial and credit institution with an indication of its details.
  • Secondly , the information must be certified by the seal and signature of the head of the corresponding branch of Sberbank of Russia.
  • Thirdly , the document must be "fresh"; its validity period is only three weeks.
  • Fourth , the statement must indicate the account number, the amount of funds on the card at the beginning of the requested period and at its end (balance), all inflows and outflows on the account, the balance of funds at the time of the request.

An important point: Each country sets its own limits on the balance of funds on the card. In general, it should be at least 60 euros per day, taking into account the entire duration of the trip.


Before applying for an extract for a visa to the Sberbank of the Russian Federation, it is necessary to clarify with the representative office of the country of departure - which version of the document they need. However, a win-win option is a request for an order statement in any of the branches of a financial and credit institution.

+ ’What are the advantages of such a certificate:

  1. It is issued for the period specified by the client.
  2. It is certified with a signature and a seal, which gives it the appearance of an official, legally significant paper.

)
If the consulate does not put forward special requirements for the quality of the extract, then you can get it more operational means- through Sberbank Online, Mobile Bank, by calling the hotline or requesting a balance account at an ATM of a financial institution.

An important point: If account or card statements are required by the bank's client on a regular basis (for example, if he makes frequent trips to foreign countries), then you can write an application at any of the branches of the financial institution. As a result, once a month for e-mail or by registered mail he will be sent information about the state of the account and the latest transactions made on it.

If it turns out that the embassy or consulate of the country of departure requires the submission of an extract in a foreign language, then the document should be translated in accredited translation agencies. If it is necessary to indicate the amount in the national currency of the country of departure, then this must be reported to Sberbank at the stage of preparing an application for a statement of order.

An important point: If an extract is needed in English, then it can be ordered directly from the branch of Sberbank of Russia. Such a document is drawn up within 3 days and costs 100 rubles.

Thus, a statement from an account or card of Sberbank of Russia can be obtained at the branches of a financial institution, through its terminals, as well as in the services "Mobile Bank" and "Sberbank Online". The bank issues debit sheets, including in English, and when applying for a visa.

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